Health Check

One of the real pains (and one I haven’t yet written about on D4D™ – believe me, it’s coming) with our house-buying process at the moment has been that as part of the entire mortgage malarkey, we’ve both been advised to get some proper life-insurance, that’d cover the whole amount of the mortgage should one of us suddenly develop a ‘critical’ illness or drop dead. Of course, that also means having to deal with another load of financial scumbags – insurers.

Back in Jan 2005, I got one lot of cheap-ass life insurance on Herself’s insistence (in fairness, she got some too) which became not-such-cheap-ass insurance when the insurance scumbag underwriters at Norwich Poxybollocks Union decided I was overweight, and whacked an extra amount on my premium. Not a lot, to be honest, but still rather more than the initial quotation had been. Bastards.

Since then, I’ve lost a fair amount of weight, although (as I’ve commented many times) I’m still never going to be 12-15stone without going through at least one limb amputation. That’s a fact of life. I’m not unfit – OK, I’m not fit either, but there we go – and… oh, chuff it, you all know the score by now.

Anyway, with the mortgage application and insurance guff, the scumbag insurance underwriters have – again – thrown a wobbly. And they’ve insisted that this time I don’t just pay extra, I have to have a ‘health check’ too before they might deign to take my money.

So while you’re reading this, I’m in a random doctor’s surgery, having a basic medical and healthcheck for scumbag dirtwad insurers . Whoopee Doo.